Independent Financial Research
12+ years experience in debt restructuring and collection economics. All data independently verified through multiple industry sources.
Research-Backed Data
Debt Collection Industry Transparency
Comprehensive commission data, portfolio pricing intelligence, and consumer debt relief insights for Canada
87+ agencies analyzed
Updated weekly
Independent research
28.3%
Average Commission Rate
Based on 87 collection agencies
$0.03–0.12
Portfolio Pricing
Per dollar of face value
$1,500–$2,500
LIT Fees
Average trustee costs
Our Methodology
Data compiled from job postings, employment contracts, industry interviews, and public filings. All figures independently verified through multiple sources. Research updated weekly to reflect current market conditions.
About CollectorHQ
CollectorHQ provides data-driven analysis of the debt collection industry based on research across 87+ Canadian collection agencies. Our mission is to increase transparency around commission structures, portfolio economics, and consumer debt relief options.
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Recent Insights
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What Is a Consumer Proposal in Canada?
January 22, 2026
A consumer proposal is a legally binding debt settlement that can reduce unsecured debt by 60-80%. Learn how it works and if you qualify.
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How Much Do Debt Collectors Earn Per Account?
January 20, 2026
Debt collectors typically earn 15-50% commission on recovered amounts, with top performers making $80K-$150K annually.
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How Much Do Debt Buyers Pay for Portfolios?
January 18, 2026
Debt buyers typically pay 3-12 cents per dollar of face value for charged-off debt portfolios. Learn what factors affect portfolio pricing.